COMMERCIAL LINES

Liquor Liability Insurance

Thousands of people are injured every year in alcohol related incidents. And if your business serves or sells alcohol, you could be held liable, meaning you need specialized protection.

Liquor liability is a crucial safeguard against claims related to alcohol-induced incidents. Whether you run a bar, restaurant, liquor store, or catering service, securing the right coverage can mean the difference between stability and financial disaster.

Many businesses believe that their general liability policy will cover them from claims made due to accidents caused indirectly by alcohol, but it’s not always the case. Monarch E&S offers robust commercial liquor insurance policies that can supplement your general liability policy. With access to surplus lines markets and industry-leading expertise, we ensure you receive tailored coverage at competitive rates.

At Monarch E&S, we specialize in excess liability insurance, surplus, and umbrella policies, ensuring businesses have access to expanded coverage when traditional policies fall short. With our expert underwriting, competitive pricing, and access to top-tier carriers, we offer superior protection fit for a kingdom.

What is Liquor Liability Insurance?

Liquor liability insurance provides coverage for businesses that manufacture, sell, distribute, or serve alcohol in case they are held legally responsible for damages or injuries caused by intoxicated individuals. These claims can include bodily injury, property damage, and legal defense costs arising from alcohol-related incidents.

At Monarch E&S, we specialize in liquor liability that meets the unique needs of your business. Not all businesses need the same type of liquor liability, and we can work with you so your policy ensures comprehensive protection, shielding your establishment from costly lawsuits and liability claims that could otherwise threaten your financial stability.

Who Needs Liquor Liability Insurance?

Any business involved in the sale, service, or distribution of alcohol should carry commercial liquor liability insurance. This includes:

Restaurants
Bars
Liquor stores
Breweries and wineries
Catering companies
Event venues
Distributors

Why Do You Need Liquor Liability Insurance?

Without liquor liability insurance, your business is exposed to potential lawsuits that can arise from alcohol-related mishaps, whether they occur at your establishment or not. Even if you follow strict ID-checking policies and responsible service guidelines, you could still be held liable for accidents caused by intoxicated patrons.

At Monarch E&S, we provide commercial liquor liability insurance that stands above the competition. With top-tier underwriting expertise, competitive pricing, and swift policy issuance, our policies ensure you can focus on running your business with confidence.